Happened tonight because dumbass me didn't have the case on. Fell out of my shorts and is now a little dinged up on the corners. Case on it for life to cover them up, or do I stand a chance at an exchange inside of the 30 day window?
Notice I said small percentage. I never stated primary cause, did I? No one is forced to buy insurance. Its an option. You know the replacement cost up front. It is not a requirement. There are still the options of paying full price for a replacement or purchasing a used replacement. The carrier is not responsible for a user's misfortune, but they do offer an option that does prevent you from paying the full cost in case of incident.
And again, it isn't a requirement to have it. You can opt not to and use other options to replace your device.